Expert Commentary
Latest Articles
Environmental
Broad Pollution Exclusion Is Ambiguous: Lead Covered by Policy
Kent Holland | May 1, 2005
Kent Holland reviews a New York case involving a pollution exclusion and discusses the Catch-22 situation facing insurers who want to modify their policy language to eliminate ambiguity.
Wrap-Up Programs
Rolling Wrap-Up Programs
Richard Resnick | May 1, 2005
There are many variables to the rolling wrap-up program. Rich Resnick discusses the pitfalls and the upside of instituting these programs.
Workplace Violence Prevention
School Violence
James Madero | April 9, 2005
The potential for school violence has led many school systems to either implement a school violence prevention program or augment the one already in place. Dr. James Madero explains.
Environmental
Whether Mold Cleanup Costs Are Covered Depends on Causation
Kent Holland | April 1, 2005
"When a covered event causes mold, the mold damage includes the cost of removal." Kent Holland explains this ruling by the New Jersey appellate court on a homeowner dispute.
Internal Controls
Why the COSO Frameworks Need Improvement
Matthew Leitch | April 1, 2005
Matthew Leitch looks at COSO's recent "Enterprise Risk Management—Integrated Framework," pointing out weaknesses that need to be rectified before it becomes an internal control standard.
Captives
When Is Reinsurance Not Reinsurance?
Michael R. Mead | April 1, 2005
Mike Mead looks at the risk management implications of reinsurance and excess insurance for captives. Lack of regulation and standardization complicates the matter.
Continuous Performance Improvement
Deming's Point #5 as Applied to the Insurance Industry
John Pryor | April 1, 2005
When focused on the customer, continuous process improvement, through process mapping, has transformed insurance organizations. John Pryor provides some examples.
Environmental
Silica—The Next Environmental Issue
Jeff Slivka | April 1, 2005
Silica exposure can be deadly. Jeff Slivka discusses the mineral, how it kills, the workplace hazard, and the insurance and risk management implications.
Ethics
Special Knowledge, Special Duties?
George Head | April 1, 2005
Do risk management professionals have a responsibility to share their expertise with others, even when they are not paid or asked to do so? Dr. George Head says "Yes!"
Employment Practices
Supreme Court Allows Age Discrimination Claims Based on Disparate Impact
Paul Siegel | April 1, 2005
Based on a March 30, 2005, ruling, employers must review their policies to assess the impact on older workers and address any unintended consequences, even if not deliberate. Paul Siegel explains.
Environmental
Broad Pollution Exclusion Is Ambiguous: Lead Covered by Policy
Kent Holland | May 1, 2005
Environmental
Whether Mold Cleanup Costs Are Covered Depends on Causation
Kent Holland | April 1, 2005
Continuous Performance Improvement
Deming's Point #5 as Applied to the Insurance Industry
John Pryor | April 1, 2005
Employment Practices
Supreme Court Allows Age Discrimination Claims Based on Disparate Impact
Paul Siegel | April 1, 2005
